I have tested a couple different coins, each seems to be missing something necessary for adoption.
you should check minexcoin. their minexbank is working fine and actually being used by their investors and hodlers. and also if you are a holder of the coin you earn revenue for their own omnigames shares.
Minexcoin is a nice project but their CEO doesn't stick to the promises they said. Minex cards are the biggest successful thing on the whole project and they failed to discuss shady behaviour while creating these cards. Minexbank percentages are decreased and I withdrew all MNX for selling on livecoin.